Business Details
31 Years
experience
Your Trusted Mortgage Partner for Home Loans & Refinancing
Summit Funding has been dedicated to transforming homeownership dreams into reality since 1995. Our mission centers on empowering clients through personalized mortgage solutions, guided by a team of seasoned professionals committed to excellence. With a nationwide presence as a Top 35 Mortgage Lender, we combine industry expertise with a client-first philosophy to deliver tailored loan programs. Our leadership team brings decades of collective experience, ensuring every client receives strategic guidance and transparent communication. From purchase loans to refinancing options, we prioritize flexibility and accessibility, offering conventional, FHA, VA, jumbo, and reverse mortgage solutions.Our high-touch approach emphasizes education and support, helping clients navigate complex financial decisions with confidence. Recognized for exceptional customer service, we maintain a 4.87 rating across 84,197 reviews, reflecting our commitment to satisfaction. By fostering long-term relationships and leveraging cutting-edge resources, we aim to simplify the path to homeownership. Our culture of continuous improvement drives innovation in mortgage services, adapting to evolving market needs. Through ethical practices and community-focused initiatives, we strive to make a meaningful impact beyond financial transactions.
Services
Purchase Loans
Refinance Loans
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgage
Details
- Year established: 1995
Highlights and features
- We offer personalized mortgage solutions tailored to your unique financial situation.
- Our team provides high-touch communication throughout the entire loan process.
- We have a wide range of loan programs to suit different down payment capabilities.
- Experienced loan officers with decades of combined industry expertise.
- Customer-first approach ensuring transparency, timely responses, and professional service.
What people say
Excellent communication
Professional service
Timely responses
Made the process enjoyable
Fantastic lender
Services
Purchase Loans
Our purchase loan programs help clients achieve homeownership through flexible options. We offer conventional, FHA, VA, and jumbo loans with down payments as low as 3.5%. Our loan officers provide personalized guidance to match clients with ideal mortgage products based on their financial situation and long-term goals.
Refinance Loans
Refinance solutions allow homeowners to optimize their mortgage terms. We help clients lower monthly payments, access equity, or adjust loan terms through rate-and-term or cash-out refinancing. Our team evaluates market conditions and individual circumstances to determine optimal refinancing opportunities.
Conventional Loans
Conventional loan programs provide versatile options for primary residences, investment properties, and second homes. With down payments starting at 3%, these loans offer competitive rates and no mortgage insurance with 20% down. We facilitate purchases up to $766,550 and accommodate gift funds for down payments.
FHA Loans
FHA loans enable low-to-moderate income borrowers to achieve homeownership with minimal down payments. Our FHA programs require as little as 3.5% down and accommodate credit scores starting at 580. These loans include financing options for upfront mortgage insurance and flexible debt-to-income ratio requirements.
VA Loans
VA loan programs honor military service members with zero-down payment options and no mortgage insurance. We specialize in processing VA-backed loans for veterans, active-duty personnel, and surviving spouses. Our team handles funding fee financing and ensures compliance with VA-specific underwriting standards.
People
Todd Scrima
CEO
Founded Summit Funding in 1995 and led the company to become a Top 35 Mortgage Lender nationwide. Brings over 25 years of industry experience and strategic vision to mortgage innovation.
Kris Ringrose
COO
Oversees daily operations with 20+ years in mortgage leadership roles. Focuses on process optimization and maintaining exceptional service standards across all client interactions.
Robyn LaVassaur
EVP of Sales
Drives national sales strategy with extensive mortgage distribution expertise. Manages loan officer networks to ensure consistent client support and market-specific solutions.
Roy Mall
EVP of Accounting, Financing and Servicing
Leads financial operations with deep expertise in mortgage accounting and capital markets. Ensures regulatory compliance and financial stability for long-term client security.
JD Phelps
EVP/Chief Information Officer
Manages technology infrastructure and digital innovation. Implements secure, user-friendly platforms to streamline mortgage processes and enhance client experience through technological advancement.
Questions
What loan programs do you offer?
We provide conventional, FHA, VA, jumbo, reverse mortgages, and specialized programs for unique situations. Our loan officers help determine the best fit for your financial profile.
How do I start the mortgage process?
Contact a local loan officer for an initial consultation. They'll review your financial situation, explain available options, and guide you through pre-qualification.
Can I refinance my current mortgage?
Yes, we offer refinance options to lower payments, access equity, or adjust loan terms. Our team evaluates your existing mortgage and market conditions to determine viability.
What down payment assistance programs exist?
We offer programs with down payments as low as 3.5% for qualified borrowers. Our FHA and VA loans provide additional support for eligible applicants.
How long does mortgage approval take?
Pre-qualification occurs within minutes. Full approval typically takes 21-30 days, depending on documentation completeness and underwriting requirements.
